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Decision making approach and criteria of SME financing by commercial banks of Bangladesh

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Main Authors: Tasmia, Anwar, Md. Asaduzzaman
Other Authors: tasmia@eastdelta.edu.bd
Format: Article
Language:English
Published: School of Business Innovation and Technopreneurship, Universiti Malaysia Perlis (UniMAP) 2019
Subjects:
SME
Commercial bank
Information asymmetry
Conservative approach
Commercial banks > Bangladesh
Online Access:http://dspace.unimap.edu.my:80/xmlui/handle/123456789/58071
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spelling my.unimap-580712019-01-26T04:32:41Z Decision making approach and criteria of SME financing by commercial banks of Bangladesh Tasmia, Anwar Md. Asaduzzaman tasmia@eastdelta.edu.bd SME Commercial bank Information asymmetry Conservative approach Commercial banks -- Bangladesh Link to publisher's homepage at http://ijbt.unimap.edu.my This paper attempts to analyze the approach and criteria used for decision making by commercial banks at the time of issuing loans to SMEs. Primary survey was conducted by using convenience sampling method from 60 respondents who were either bank managers or senior loan officers specializing in SME through a pre-tested structured questionnaire. The study concludes commercial banks follow conservative approach while granting credit to SMEs and they also show reluctance in providing loans to these businesses. Their focus and interest is on collateral and securities ‘Information Asymmetry’ has been identified as the main reason for banks to follow a conservative approach. The study also focuses on bankers’ decision making regarding providing loans to SMEs. The results show banks emphasize on loan characteristics, profitability and collateral offered. 2019-01-26T04:32:41Z 2019-01-26T04:32:41Z 2018-10 Article International Journal of Business and Technopreneurship, vol.8(3), 2018, pages 321-328 2231-7090 2232-1543 (online) http://dspace.unimap.edu.my:80/xmlui/handle/123456789/58071 http://ijbt.unimap.edu.my en School of Business Innovation and Technopreneurship, Universiti Malaysia Perlis (UniMAP)
institution Universiti Malaysia Perlis
building UniMAP Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Malaysia Perlis
content_source UniMAP Library Digital Repository
url_provider http://dspace.unimap.edu.my/
language English
topic SME
Commercial bank
Information asymmetry
Conservative approach
Commercial banks -- Bangladesh
spellingShingle SME
Commercial bank
Information asymmetry
Conservative approach
Commercial banks -- Bangladesh
Tasmia, Anwar
Md. Asaduzzaman
Decision making approach and criteria of SME financing by commercial banks of Bangladesh
description Link to publisher's homepage at http://ijbt.unimap.edu.my
author2 tasmia@eastdelta.edu.bd
author_facet tasmia@eastdelta.edu.bd
Tasmia, Anwar
Md. Asaduzzaman
format Article
author Tasmia, Anwar
Md. Asaduzzaman
author_sort Tasmia, Anwar
title Decision making approach and criteria of SME financing by commercial banks of Bangladesh
title_short Decision making approach and criteria of SME financing by commercial banks of Bangladesh
title_full Decision making approach and criteria of SME financing by commercial banks of Bangladesh
title_fullStr Decision making approach and criteria of SME financing by commercial banks of Bangladesh
title_full_unstemmed Decision making approach and criteria of SME financing by commercial banks of Bangladesh
title_sort decision making approach and criteria of sme financing by commercial banks of bangladesh
publisher School of Business Innovation and Technopreneurship, Universiti Malaysia Perlis (UniMAP)
publishDate 2019
url http://dspace.unimap.edu.my:80/xmlui/handle/123456789/58071
_version_ 1643805535102828544
score 13.222552

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